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If you are an INDEPENDENT CONTRACTOR paid via 1099s, with a minimum credit score 620, not terrible credit the last 2 years, and enough money for a down payment, you can still get a mortgage.

You need to be 2 years as a 1099 with same employer. And, still getting a paycheck with no taxes taken out.

Your qualifying income is based on last year’s 1099 and current paystubs.

Although there are other loan programs for self-employed (independent contractors), just as a Bank Statement Mortgage, there may be reasons why this doesn’t work. You have to many overdrafts. Your bank accounts are sketchy, such recently opened or you just opened one, or you are a joint holder, or you just do ot want to give 12 or 24 months of bank statements.

Program is Ideal for:

  • Freelancers
  • Realtors
  • Construction workers
  • Truckers
  • Home health care
  • Hospitality workers
  • And many more ….get paid via 1099 – you may qualify.

Down payment based on Credit Score

  • 680+ 10% Down
  • 660+ 15% Down
  • 620+ 20% Down.

30 year Fixed.

Rates vary by Credit Score.

Contact me for a no-obligation, no pressure 1099 analysis.

For more info:

Chris Luis, My Favorite Mortgage Broker

Call or text me  941-219-4381

email me.

Or, fill put an application at ChrisLuis.com

Final approval up to the licensed bank. Not all 1099 independent contractors qualify, based on credit and other factors.